Welfare broker

RAYMOND CHOI

Mailing address (most recent filing)

320 W LAKE LANSING RD

EAST LANSING, MI 48823

Total comp: $146K
Commissions: $146K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

Where RAYMOND CHOI places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRIORITY HEALTH50.0%
AMERITAS LIFE INSURANCE CORP.50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$3.6M	50.0%
AMERITAS LIFE INSURANCE CORP.	1	$34K	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	2	$3.6M	0.1%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of RAYMOND CHOI's plans by broker comp / premium ratio. Median 13.54% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of RAYMOND CHOI's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where RAYMOND CHOI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DEAN TRANSPORTATION, INC. DEAN TRANSPORTATION, INC. WRAP PLAN	MI	$3.6M	$150K	PRIORITY HEALTH
E. T. MACKENZIE COMPANY E.T. MACKENZIE COMPANY HEALTH PLAN	MI	$34K	$8K	AMERITAS LIFE INSURANCE GROUP